Wheeler County State Bank
Alamo, GA · Cert 16228 · Peer group: banks under $1B in assets in GA (n=61-62)
FDIC · 4 branches
Q4 2025
$170.0MAssets
$97.0MLoans
$146.1MDeposits
$22.8MEquity
Executive Summary
- Strongest standing: brokered deposits / deposits outperforms 100% of banks under $1B in assets in GA (rank 45 of 61).
- Widest gap: efficiency ratio trails 85% of banks under $1B in assets in GA (rank 54 of 62).
- Overall: at or above the peer median on 4 of 9 directional measures.
Return on Assets
0.81%
Rank 46 of 62
Net Interest Margin
5.02%
Rank 8 of 62
Efficiency Ratio
79.13%
Rank 54 of 62
Equity / Assets
13.44%
Rank 16 of 62
Non-interest income vs. expense
Unfavorable gap of $6.5M · efficiency ratio beats 15% of banks under $1B in assets in GA | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.81% | 0.80% | 1.35% | 1.59% | Beats 26% | 46 / 62 | |
| Return on Equity | 6.00% | 8.27% | 12.23% | 14.80% | Beats 18% | 51 / 62 | |
| Net Interest Margin | 5.02% | 3.33% | 4.17% | 4.64% | Beats 87% | 8 / 62 | |
| Efficiency Ratio | 79.13% | 53.85% | 60.45% | 70.19% | Beats 15% | 54 / 62 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.20% | 0.17% | 0.51% | 1.16% | Beats 70% | 19 / 61 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 13.91% | 11.74% | 15.08% | 20.01% | Beats 40% | 37 / 62 | |
| Total Risk-Based Capital Ratio | 13.91% | 12.04% | 15.68% | 21.23% | Beats 39% | 38 / 62 | |
| Equity / Assets | 13.44% | 8.90% | 11.03% | 13.44% | Beats 74% | 16 / 62 | |
| Liquidity & Funding |
| Loans / Deposits | 66.36% | 58.76% | 66.72% | 81.56% | 46th pctl | 33 / 61 | |
| Loans / Assets | 57.05% | 50.60% | 58.74% | 70.55% | 44th pctl | 34 / 61 | |
| Brokered Deposits / Deposits | 0.00% | n/a | n/a | 0.58% | Beats 100% | 45 / 61 | |